Dual redemption path with shared benefits system and method

A system comprising:

• a) one or more databases storing:
• i) a first set of benefits available to a user for a plurality of eligible items that are not individually identified, and
• ii) a second set of benefits available to the user for individually identified eligible items;
• and
• b) a server system communicatively coupled to the one or more databases, wherein the server system is configured to perform operations comprising:
• receiving, from a remote system, transaction data comprising
• a plurality of transaction items, and a single identifier associated with the user
• determining, based on accessing the first set of benefits and the second set of benefits in the one or more databases using the single identifier, that at least one of the first set of benefits or the second set of benefits applies to at least one transaction item of the plurality of transaction items;
• generating, based on applying the at least one of the first set of benefits or the second set of benefits to the at least one transaction item, a benefit amount;
• adjusting, in the one or more databases, at least one of the first set of benefits or the second set of benefits based on the benefit amount;
• generating a transaction treatment instruction associated with the benefit amount based on whether the first set of benefits or the second set of benefits were applied to the at least one transaction item;
• and
• transmitting the benefit amount and the transaction treatment instruction to the remote system for application during a transaction associated with the transaction data.

One or more non-transitory computer-readable storage media including instructions that, when executed by a server system, cause the server system to perform operations comprising:

• receiving, from a remote system, transaction data comprising:
• i) a plurality of transaction items, and ii) a single identifier associated with a user, wherein the single identifier enables the server system to access, from one or more databases, both (a) a first set of benefits available to the user for a plurality of eligible items that are not individually identified and (b) a second set of benefits available to the user for individually identified eligible items;
• determining, based on accessing the first set of benefits and the second set of benefits in the one or more databases using the single identifier, that at least one of the first set of benefits or the second set of benefits applies to at least one transaction item of the plurality of transaction items;
• generating, based on applying the at least one of the first set of benefits or the second set of benefits to the at least one transaction item, a benefit amount-based on the determining;
• adjusting, in the one or more databases, at least one of the first set of benefits or the second set of benefits based on the benefit amount;
• generating a transaction treatment instruction associated with the benefit amount based on whether the first set of benefits or the second set of benefits were applied to the at least one transaction item;
• and
• transmitting the benefit amount and the transaction treatment instruction to the remote system for application during a transaction associated with the transaction data.